What is Health Surplus plan?

It is a high deductible policy that pays for inpatient expenses over and above the deductible limit. The deductible is applied on each and every claim.

Does the Health Surplus plan covers pre and post hospitalisation expenses?

Pre-hospitalisation expenses are covered within 60 days and post-hospitalisation expenses are covered up to 90 days.

Is cashless claim facility available under Health Surplus plan?

Yes, there is a cashless claim facility available under Health Surplus plan.

Is Health Surplus plan available as a stand-alone policy?

Health Surplus plan can either be taken as a standalone policy as well can be clubbed with Health Suraksha or any other individual health insurance or group insurance plan.

What is the waiting period under the Health Surplus plan?

The pre-existing conditions are covered after a waiting period of 4 years. Joint replacement surgery is covered after 3 years.

Can I port my existing high deductible policy to Health Surplus?

Yes, you can easily port your existing high deductible policy to Health Surplus by giving the notification of the same 45 days prior to the policy renewal date.

Is medical test necessary under Health Surplus plan?

There is no need for a pre-policy medical checkup if the proposer is less than 55 years of age provided there is no medical declaration made in the proposal form.

What is meant by per claim deductible?

It means the prescribed deductible amount will be deducted from each admissible claim and balance will be paid. In the case where there is relapse within 45 days of the first hospitalisation, a single deductible will be applied on the total claim amount.

Is Health Surplus policy available as a family floater option?

Yes, Health Surplus policy is also available as a family floater option under which you can get coverage for yourself, your spouse and up to 2 dependent children.

Why do I need a high deductible policy?

The high deductible plan is beneficial in situations wherein the actual medical expenses cross the threshold limit, i.e. deductible. This plan comes with very attractive premium rates and can be opted in combination with other plans such as Health Suraksha to get higher coverage.

Future Generali Health Surplus Insurance Wordings

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Highlights

Cashless Approval TAT	2 hr Cashless Claim Processing
Claim Settlement Ratio	94%
COVID-19 Cover	Yes
Network Hospitals	8,400+
Renewability	Yes
Special Benefits	Complimentary Teleconsultation

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Future Generali Health Surplus Brochure

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May 21, 2019

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Future Generali Health Insurance Plan List

Family (3)
Individual (1)
Dengue (1)
Critical Illness (1)
Parents (1)
Senior Citizen (1)
HIV (1)
Kids (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
Future Health SurakshaMin: 90 Days; Max: 70 Years	50 Thousand	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani Policy Min: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Vector CareMin: 1 Day; Max: 65 Years	10 Thousand	Check Premium
Future HospiCashMin: 6 Months; Max: 65 Years	500/day	Check Premium
Future CriticareMin: 6 Years; Max: 65 Years	1 Lakh	Check Premium
Future Varishta BimaMin: 60 years; Max: No Limit	2 Lakh	Check Premium
Health TotalMin: 1 Day; Max: No Limit	3 Lakh	Check Premium
Health Super Saver PolicyMin: 18 years; Max: 70 years	3 Lakh - 50 Lakh	Check Premium

Future Generali Health Insurance Top Up List

Cancer (1)
Individual (1)
Top-up (2)

Name of Plan	Sum Insured
Health SurplusMin: 3 Months; Max: 65 Years	3 lakh	Check Premium
Future Advantage Top UpMin: 1 Day; Max: No Limit	50 Thousand	Check Premium

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FAQs on Health Surplus Health Insurance Plan

What is Health Surplus plan?
It is a high deductible policy that pays for inpatient expenses over and above the deductible limit. The deductible is applied on each and every claim.
Does the Health Surplus plan covers pre and post hospitalisation expenses?
Pre-hospitalisation expenses are covered within 60 days and post-hospitalisation expenses are covered up to 90 days.
Is cashless claim facility available under Health Surplus plan?
Yes, there is a cashless claim facility available under Health Surplus plan.
Is Health Surplus plan available as a stand-alone policy?
Health Surplus plan can either be taken as a standalone policy as well can be clubbed with Health Suraksha or any other individual health insurance or group insurance plan.
What is the waiting period under the Health Surplus plan?
The pre-existing conditions are covered after a waiting period of 4 years. Joint replacement surgery is covered after 3 years.

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Claim Process at Future Generali Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Future Generali Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Future Generali Health Insurance
1800-220-2338 A.M. to 8 P.M.
fgcare@futuregenerali.in